Exwife has childs debt Student Loans |
- Exwife has childs debt
- Confused about student loan repayment
- A masters degree in social work, does it make sense?
- Rehab on Defaulted Loan About to Complete
- Couple questions about PSLF
- Limit to Switching Payment Plans?
- How do I get accepted w/out qualifying?
- When to refinance
- AES refund timing
- IBR, Income Changes, and PSLF
- I got a full-time job after my taxes were filed this year and I’m now trying to apply for income-driven payments.
| Posted: 04 Oct 2018 08:56 PM PDT So I was talking to my adult daughter and my exwife and found out that she has over 94,000 in student debt. Somehow, she had two different payment plans set up one with Nelnet and the other with US Government. My daughter now works making 13 dollars an hour and cannot afford her loans. This is putting pressure on my ex who is living barely on the alimony and child support I send her. Is there a way to get that loan forgiven. The school she went to was Broadview University Arts School which was a subsidy of Broadview University but the Arts School went out of business. Is there anything we can do to get those forgiven? [link] [comments]  |
| Confused about student loan repayment Posted: 04 Oct 2018 03:01 PM PDT So I just took a look at all of my student loans on the federal student aid website and I'm really confused about my repayment schedule. I'm currently a junior at a four year university, but I spent my first two years at a community college. I've taken a direct subsidized loan out for each year, no private or unsubsidized loans. Anyway, on my first two loans from my time in community college it says that I'm supposed to start paying them back in October of 2019, but I'm still going to be in school then. Is this an error or is it because they were taken out for a community college? Then, on my loan for this year at my university it says that my repayment doesn't start until 2023. I'm really confused on this as well since I'm graduating in 2020 and I thought there was only a six month grace period on loans. If anyone could help me out with this I would really appreciate it! [link] [comments]  |
| A masters degree in social work, does it make sense? Posted: 04 Oct 2018 04:11 PM PDT Hello everyone. I currently have a bachelor's degree in English. My plan was to get a master's and teach college. But I found out near my graduation that that is highly competitive and doesn't pay too well, for the amount of education required anyway. I also don't want to move away from my family/can't afford to. I finally got out of a dead end retail job 3 months ago. I work as a dsp with a company that works with intellectually disabled individuals. I only make 11 an hr, But it's more than I made before, and I work 50--55 hrs a week right now. I did apply for a master's program in social work at the university I graduated from. It is online so I could still work like I am and manage. I currently have 50k student loans, some in Great Lakes some in Navient. 2 are private loans. I'm wondering if it makes sense to spend more money getting a MSW. Yes, social workers make more than I do now, but will it be enough for potentially 80k debt? Or should I try to move up within my company? They are not paid great, it is a non profit. But I'm wondering if I should just stop school and focus on trying to pay my debt somehow or if a msw would benefit me more. I also thought about learning/taking the certification for a+ and learning some programming on my own. I thought these might be more useful for me if i decide to not go back to school. Does anyone have experience with this? I'm 30. I support My disabled SO. He is fixed so no kids for us, but still I'm really poor. I really want to just...live life at some point. You know? [link] [comments]  |
| Rehab on Defaulted Loan About to Complete Posted: 04 Oct 2018 12:55 PM PDT Hi there! My wife is about to complete rehabilitation on a student loan with the following breakdown (it was in default; she is in an income-based rehab agreement with FMS): Principal: $12k Interest: $2k Fees and Costs: $3.5k Total Balance: just under $18k This month will be her last payment to get the loan back into a favorable status. We are wondering what we can expect at that point. We got married about halfway through the agreement, which means that my income must now be taken into consideration in any negotiations. Our combined household income is about $100k. Will FMS propose a payment amount after the rehab is complete, or will they negotiate? Will they even know we are married until we file our joint taxes for 2018? We want to pay it off, but we also don't want to end up with a ridiculously high payment due to our current combined income. [link] [comments]  |
| Posted: 04 Oct 2018 02:48 PM PDT 1)I am filling out a new application for PSLF. I work at a non-profit hospital that is NOT tax exempt under 501c3. Has anyone had their application accepted that is NOT 501c3 but still is non-profit providing a qualifying service, or denied? 2) Say my application is accepted. I have undergrad loans that do not count, they are FFEL Stafford Unsubsidized. The large bulk of my loans from grad school do count, they are direct loans. Will FedLoan separate these? I do not want to have trouble down the line because some loans (but not all) do not qualify 3) I could consolidate my FFEL Stafford loans into a Direct consolidation loan, but I'm not sure if I should based on capitalized interest. Basically I'm afraid of screwing everything up as I apply for PSLF. Any advice would be appreciated. EDIT: the direct loans from grad school have been in IBR. The FFEL loans are also in IBR. [link] [comments]  |
| Limit to Switching Payment Plans? Posted: 04 Oct 2018 10:33 AM PDT Are there any limits on switching between income based plans and the standard 10 year plan? For example, can you switch to income based repayment (IBR) after graduating, then you get a job, switch to 10 year plan (let's assume it had a great salary), then you lose your job 6 months later, can you switch back to IBR until you find another job? [link] [comments]  |
| How do I get accepted w/out qualifying? Posted: 04 Oct 2018 03:55 PM PDT I have an undergrad in Art and have bounced in and out of crap jobs since college. There is a chance since I'm old AF I can submit my "wonderful work experience" in lieu of GMAT/GRE but I wasn't an IT manager for for 5 years or anything and that's typically the type of experience they look for. What can I do? I applied for a personal loan through sallie May today and got an offer of doing it with a co-signer but I don't have one. Also I'm in major debt already from undergrad and have maxed out borrowing power for a second bachelor level or certificate level courses. Yes, I know, I need to stop the debt. The pursuit of this particular masters is important to me bc it could get me out of debt in 5 years and I don't see a path to making a decent wage any other way than going back to school for something useful. I got a weird offer to sell tutoring franchises but that wouldn't start till 6 months from now and the business model seems a little weird. TLDR; trying to figure out how to get funding for MS program in track different from undergrad [link] [comments]  |
| Posted: 04 Oct 2018 04:11 AM PDT I am making my first loan payment next month. It's $26k @ 11% with Sallie Mae. I have excellent credit and a car lease in my name along w/ 3 credit cards. Should I refi now or after I make some payments [link] [comments]  |
| Posted: 04 Oct 2018 10:25 AM PDT I just refinanced my AES loan with Earnest (2% lower interest rate Woohoo!) but unfortunately my payment posted to AES just before the funds were transferred so my AES balance is at negative 250 bucks. Just wondering if I need to do anything to receive the balance. Will they refund me through my auto-deposit or via check? Any idea on timing? it's not like I need the money but I would like to out it in it's rightful place, paying off a small amount of my new loan. [link] [comments]  |
| Posted: 04 Oct 2018 08:37 AM PDT I filled out my IBR paperwork last month and imported my 2017 tax return. It asks if my income has changed dramatically, which it has (thanks to my post-grad employment), but since I only began in June, I don't think my annual income will actually work out to be too much higher than last year's. I heard mixed things about if I should report it or not, and now I'm feeling anxious that I didn't -- should I send them an update and have my payments recalculated? As of right now, I've been placed on a PAYE plan with a payment of $0 for a year, then payments of $839 next year. Obviously the $0 payment sounds great, but $839 in a year isn't feasible. If I wait to recertify, will that absurd payment be adjusted in accordance with my income, or will I be stuck with this really high payment next year since I paid nothing for a year? And, just to clarify, if I do end up keeping them, the 12 months of $0 payments will count towards PSLF, correct? [link] [comments]  |
| Posted: 04 Oct 2018 06:50 AM PDT How would I go about submitting my adjusted gross income if my income significantly increased? [link] [comments]  |
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